Our experiences with banks and commercial card challenges
Focus on what you do best—being a bank—and let us handle what we do best: delivering a best-in-class, corporate-facing frontend for your commercial card clients.
Cardlay offers flexible solutions tailored to your needs.
On top of your existing infrastructure
Cardlay’s highly configurable frontend is easily integrated into your commercial card infrastructure without costly, time-consuming development.
Cards-as-a-Service - we will bring all the pieces
We connect underlying systems and partners to deliver a best-in-class commercial card solution under your brand name. With our expertise, we ensure a fast, flexible go-to-market process tailored to your needs.
Frontend
Bank infrastructure
Mads Krumhart, CEO Eurocard & Airplus
“... to simplify their work and save them time and money. ”
Out-of-pocket
Jovan Upshaw
Activities
June 6th 2023
Fuel and food
10:43
DKK 50,00
June 6th 2023
Hotwheel car rental
10:43
DKK 895,00
June 6th 2023
Gasolino
12:32
DKK 185,95
June 6th 2023
Parking
16:21
EUR 13,07
DKK 97,42
June 6th 2023
Kronetaxa
05:12
DKK 432,76
June 6th 2023
A2B Taxa
10:43
DKK 450,60
Out of Pocket
Add OOP
9:41
Mileage description
Add comment
Submit trip
19/05/2023
Billedskærervej 17, 5230 Odense M
From address
Lufthavnsboulevarden 6, 2770 Kastrup
To address
Distance
KM
164,61
Return trip
DD12345
Route specification
9:41
Create trip
The choice is yours
Our flexible, modular platform lets you tailor your approach—launch a complete spend management solution or start small with a card or expense management white-label solution, perfectly customized to meet your needs.
Card
management
With card management, you can introduce many of the services found in traditional bank branch offices, but in a real-time environment managed by the company.
Expense
management
The expense management service delivers a real-time overview of all corporate expenses.
All company card transactions and reimbursements for employees are automatically collected and presented through the solution.
Features that will help you work smarter
Mobile application
Issue and tokenize virtual cards in the app, anytime, anywhere
Administrator
Expense manager
Card manager
Employee
Access rights
Web application
Flexible organisation overview: Manage employee roles and permissions
Mobile application
View transactions (in real-time)
Good morning,
Jovan Upshaw
Cardlay Payment Solutions A/S
9:41
Transactions
See all
Mountain view hotel
11:51 Reservation
EUR 215,00
DKK 1.602,57
Meatup
23:11
EUR 52
DKK 387,60
Kronetaxa
18:43
DKK 310,80
DKK 310,80
Parking
10:43
DKK 12.56
DKK 12.56
Out of pocket
See all
Fuel and food
11:58
DKK 50,00
Mileage trips
See all
Billedskærervej 17
Langebrogade 4
km 164
DD34567
Langebrogade 4
Billedskærervej 17
km 164
DD34567
Need attention
1
Mountain view hotel
11:51 Reservation
EUR 215,00
•••• 1234
Mobile application
Manage expenses on the go
Web application
Multiple export options
Export as Excel
Export in csv
Open API
Direct integration to multiple ERP's
...
Web application
Intuitive approval flows and swiftly manage expenses
Allow ATM withdrawal
Allow online payment
All countries allowed
Some categories allowed
Card controls
Web application
Extensive and granulated spend controls on cards
Web application
Full overview of active cards
Mobile application
Push notifications and messaging
12:57
99
Transaction was declined
15m ago
Your transaction of GBP 150.99 was declined. View transaction to learn more.
wednesday 7 September
12:57
23
15
26
Mountain view hotel
Now
You have spent EUR 120.00 and are ready to enrich the expense
Needs your attention
Now
Mountain view hotel EUR 120.00. Hi, please finalise and submit your expense.
Who can benefit most from your solutions?
We know every customer is unique, with SMBs and large corporations having different needs. Our modular, microservices-based platform lets you tailor solutions to match each business segment and individual customer’s size and requirements.
Why should we choose Cardlay over others?
We support both VISA and Mastercard, offering a unified solution for seamless service across both networks. Our platform integrates with multiple scheme networks, reducing bank dependency and enabling faster go-to-market.
How does the implementation work?
An efficient implementation process is key to a successful partnership. Cardlay’s experience and flexibility ensure a seamless design, implementation, and launch. Our proven framework and customer-centric approach guarantee on-time delivery and a smooth go-live.
Can Cardlay help us quickly launch a competitive commercial card offering on our own infrastructure?
Cardlay offers a corporate frontend, with issuing and processing via our partners. We provide a fast go-to-market solution and can support a smooth transition to your own infrastructure without disrupting the customer experience.
We already have a card management app and now want to provide an expense management solution, it that possible?
Cardlay’s modular, flexible platform allows you to seamlessly offer an integrated expense management solution under your own brand.
Can Cardlay be integrated and enrolled on our current commercial card offering?
Yes. Our flexible, infrastructure-agnostic platform seamlessly integrates with any commercial card system, enabling us to digitize and enhance your existing card offerings.
We know fintech can be a bit tricky at times, so we’ve made it easy for you by answering the most common questions right here—clear, simple, and just for you!
Frequently asked questions
